Your Life is Beautifully Unique
WE WORK TOGETHER BASED ON WHAT YOU NEED.
Changing Your Financial Future
a values based partnership
Imagine having a partner to guide and support you, someone you can trust and acts in your best interest.
Imagine a financial plan that isn’t just about numbers, but is about your dreams, your values and how you want to live your life.
Imagine a partner who helps you balance your financial strategy so that you can enjoy life now AND later in life.
We’ve got you.
We can manage your finances so you can make the most of your time, truly enjoy life and shine away as you were meant to!
Boutique Firm with Holistic Financial Support
Financial Planning & Investment Management
All in One Place
investing in yourself roadmap: how We Work Together
Think of us as your partner, activator, implementor, supporter & celebrator!!
Ongoing Financial Planning
THIS is where we get into the good stuff. This is where we talk about using money intentionally to live a life you love.
Financial Planning is Built on Three Key Pillars:
Knowing where you’re at.
Setting life goals.
Creating a plan to get you to where you want to go.
There is such power in having a partner to help you build a solid retirement strategy, optimize your tax strategy, make sure you are protected through insurance/estate planning coverage and that you have an emergency fund for when things don’t go according to plan.
We’ll be your guide throughout the year with a strategy that supports you through all of your life and money twists & turns - so that you can enjoy life and have the peace of mind - that you deserve.
“Traditional”
Financial Planning
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No one loves talking about taxes, but we do, with you! We’ll analyze and strategize ways to minimize your tax liability through deductions, credits and tax-advantaged accounts, with the goal of keeping more of your hard-earned money - so that money can work for you!
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We intentionally don’t offer insurance products as we believe it’s a conflict of interest in working with you. We do review your current coverage to ensure you’re adequately protected for unexpected events. We can recommend an insurance specialist to help you secure protection for you and your loved ones, if needed, too.
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Not to worry! This is not about analyzing each dollar you spend – it’s about knowing your cash flow and forecasting it allows us to optimize your savings, pay off your debt and build a solid retirement strategy. We also help you prepare for the unexpected with a liquid emergency fund, typically around 3-6 months of expenses, depending on your situation and job security, etc.
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There is so much power in evaluating your entire financial picture – we do a robust analysis of your income, savings, debt, expenditures and investment projections to forecast various scenarios, including retirement timing, and create a strategy to meet your retirement goals. We also guide you through tax implications and help you choose the best account options – such as Roth IRAs, IRAs, 401(k)s - to maximize your retirement income.
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With college costs soaring, we understand the burden of student loans and can help you develop a strategy to pay them off while still achieving your other financial goals. If you're looking to help loved ones with education expenses, we'll discuss your options and provide tailored recommendations based on your unique financial situation.
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Once you have a clear picture of your cash flow, setting up an automated savings strategy is key to reaching your goals. Aligning the timing of your mortgage payoff with your broader goals can create clarity and peace of mind, too. If you have debt, there’s no judgement here, we’ll review it and create a plan to tackle it, that works for you!
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Though no one likes to think about end-of-life planning - having a trust, will and healthcare/financial power of attorney in place not only protects your assets, but also ensures your loved ones are cared for when they need it most. We’ll review your current coverage and provide recommendations to make sure you’re prepared for all of life’s unexpected events.
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You may have multiple investment accounts – we take a holistic approach to evaluate the overall risk of your portfolio in relation to your personal risk preferences (aggressive growth vs. moderate vs. conservative risk tolerances, etc.). We also assess diversification across your accounts, address any concentration risks and ensure your investments align with your timeline for accessing your funds when you need them.
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We’ll review your social security projections and discuss the timing implications, as well as long-term considerations, to help you plan and make the best decision when the time comes for you.
WE ARE ALSO WITH YOU FOR THE “Real-Life” Financial Planning
✔ Job Loss
✔ Career Change
✔ Sudden Major Illness
✔ Relationship Changes
✔ Chronic Health Issues
✔ Unexpected Inheritance
✔ Forced Early Retirement
✔ Job Breaks for Care Giving
✔ Helping Elderly Parents With Care
✔ Home Affected by Natural Disaster
✔ Other Family Member Illness or Hardship
Ongoing Investment Management
We often hear that investing sounds like a foreign language.
It doesn’t have to be overly complex and we are here to answer your questions and make it much easier to understand!
We create a personalized strategy based on your goals.
Your situation is unique and we will talk about your situation, goals and risk tolerance to create a strategy that’s tailored to you.
You may want to learn more about values investing and how you can make a difference with your investments and we can talk about that, too.
We believe in simplified, diversified, lower-cost investing that seeks long-term returns over time.
It will be a diversified investment strategy that is built for you and you will also know the why behind it, too!
We will manage and monitor your investment portfolio and update the strategy with you, as your life evolves.
Investing with Integrity
We invest based on your unique situation and goals.
with investing we believe....
✔ In long-term investing - while the markets will go up and down, that risk is rewarded over time.
✔ Less is more – day trading, market timing and over-trading can be very volatile and aren’t beneficial to your portfolio.
✔ In being able to choose whatever products are best for you & with firms who have a strong foundation and trusted reputation.
✔ Insurance and investing should be independently managed for you.
✔ In building an investment portfolio that aligns with your risk profile, time horizon, values, and your unique goals.
✔ In diversification by spreading investments across a variety of assets and funds.
✔ That cost matters and an investment does not have to be expensive to be effective.
✔ In transparency – we explain the investing strategy and make sure you understand what you are invested in and why.
The markets will go up and down. That is guaranteed.
We are there with you through it all.
Boutique Service Focused on You & Your Future
Ongoing Financial
Planning sERVICES
Your Partner &
Year-Round Financial Strategist
Services Include:
Analysis of Current Situation with Goal Setting
Creation of an Actionable Plan that Creates Measurable Results
Financial Topics Reviewed Strategically Throughout the Year
Ongoing Support & Updates to Plan
Education Based on Your Situation
Career Support for Job Changes & Negotiations
financial planning FEES
Ongoing INVESTMENT
MANAGEMENT SERVICES
Your Personalized
Investment Strategy
Services Include:
Investment Selection Based on Your Risk Tolerance, Unique Goals, Timeline and Values
Monitoring & Support to Keep Your Investments Aligned with Market Shifts & Your Life Changes
Investment Education - We Break Down the Complex So You Feel Confident & Informed
Economic & Investment Updates & Reviews
ANNUAL INVESTMENT MANAGEMENT FEES
Our favorite part of working together is…
Getting to know you, hearing your story, creating your unique plan, cheering you on and celebrating with you as time goes on!
WORKING TOGETHER IS FOR YOU, IF…
✔ You are invested in your financial future and are committed to making changes to meet your goals.
✔ You want to get the most out of life. You have dreams and are willing to take action to make those dreams come true.
✔ You know that “success” doesn’t happen overnight and are willing to trust the process and be patient for results.
✔ You are all about lifting each other up - that’s what life is all about, right?
A Process That is Serious & Simple.
While we are serious about what we do here, we also keep our process as clear and simple as possible.
We work hard behind the scenes so we can make the most of our time together - so that you have more time to go live that dream life - that you deserve.
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First, we start off with a 30-minute chat to get to know each other and talk about your situation and how we might work together to reach your goals. Think friend style phone chat over coffee, wine, or tea – it’s your call!
We hit it off and it sounds like working together could be a great fit – we will send a proposal to you that will include pricing and expectations in working together. We are here to answer any questions after you’ve reviewed it and encourage any and all questions – it will only make our relationship and working together better!
Once we get the green light to proceed, we will send over the contract for signature and answer any questions that you may have.
The contract is signed and we are officially hired (hooray!) – next we will have a kick-off meeting discussing your situation and goals in greater detail.
We will meet as needed and provide you with your unique financial plan/investment program as appropriate.
If you’re an on-going client, your situation will continue to be monitored and reviewed with a schedule provided to you of what to expect from us/future meetings in the months to come. We will be available if anything comes up in the meantime as well.
If it’s a project based financial plan, we’ll be sad to wrap things up, but are happy we’ll keep in touch and we’ll be wishing you all the best in what’s to come!